Does a home warranty cover washer and dryer?
Whether a washer and dryer claim pays out depends on the plan tier, the per-item dollar cap, and the contract's exclusions list. Pre-existing problems and code-upgrade costs are almost always excluded. Below is what these plans typically include, what they typically exclude, and the contract language to read before you assume a repair is covered.
Typically covered. Typically excluded.
- ＋Mechanical and electrical failure of the clothes washer and dryer due to normal wear, on appliance or combo plans
- ＋Motors, pumps, timers, drive belts, and control boards on the covered units
- ＋Gas and electric dryers tied to the covered laundry system on plans that name them
- ＋Both units when the plan covers a matched laundry pair as covered appliances
- －Pre-existing failures and units not included on a systems-only plan
- －Venting, hoses, lint screens, knobs, and door or lid seals
- －Damage from overloading, improper use, or improper prior installation
- －Cosmetic damage and costs above the per-item cap
Washer and Dryer coverage by provider.
| Provider | Covered? | Score | Note |
|---|---|---|---|
| Add-on / tier | 4.1/5 | Washer and dryer covered on ShieldGold and ShieldPlatinum; excluded on the ShieldSilver systems tier. | |
| Add-on / tier | 4.0/5 | Washer and dryer covered on Appliance Guard and Total Home Guard; not on the Systems tier. | |
| Add-on / tier | 3.9/5 | Washer and dryer covered on Appliances and Complete Home; not on the Built-in Systems tier. | |
| Add-on / tier | 3.9/5 | Washer and dryer covered on Comprehensive and Platinum; narrower on the Standard tier. | |
| Standard | 3.8/5 | Washer and dryer covered on all tiers up to the per-item cap. | |
| Add-on / tier | 3.7/5 | Washer and dryer covered on the Total Plan; excluded on the Basic Plan. | |
| Add-on / tier | 3.7/5 | Washer and dryer covered as an optional add-on; not in the base Simply Kitchen tier. | |
| Standard | 3.6/5 | Washer and dryer covered on the buyer and seller plans up to the per-item cap. | |
| Add-on / tier | 3.4/5 | Washer and dryer covered on Bronze and Platinum; excluded on the Gold systems plan. | |
| Standard | 3.3/5 | Washer and dryer covered on Gold and Platinum up to the $1,500 per-item cap. |
Status reflects standard plan terms filed in the US market. “Add-on / tier” means coverage depends on the plan tier or a paid add-on. Provider order is by published overall /5 score, with no paid placement. Always confirm current terms in the sample contract before buying.
- A washer drive motor fails from normal wear on a combo plan; the plan covers the repair up to the cap and the homeowner pays the service-call fee
- A dryer control board fails; covered as a normal wear claim on an appliance or combo plan
- A washer fails on a systems-only plan that excludes laundry appliances; not covered
- Whether laundry appliances are on the appliance or combo tier rather than a systems-only plan
- Per-item caps and whether the washer and dryer share one combined cap
- Lack-of-maintenance and overloading denial language in the contract
Does a home warranty cover washer and dryer?
What is usually excluded for washer and dryer?
Will the warranty pay the full repair cost?
- Cinch Home Services sample laundry coverage terms (Provider plan page, accessed 2026-05)
- First American Home Warranty plan coverage details (Provider plan page, accessed 2026-05)
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